Home Report

(Sellers)

Selling or buying a property is the biggest financial decision most people are ever likely to make and prior to a property going to market, a Home Report is required.

This is where we come in! We are accepted on lenders’ panels, have expert local knowledge through our 26 Scottish offices and above all we produce quality home reports that are independent and reliable. This gives you peace of mind that for such a significant transaction, your Home Report is in safe hands!

In Scotland, sellers must have a Home Report before they can present their property to the market. A Home Report provides potential buyers with objective information on the condition of the property for sale. We are a major provider of Home Reports, so if you are thinking of selling your home, get in touch with one of our offices.

So what is involved in producing a Home Report?

It must be prepared by a qualified surveyor registered with RICS and contains the following elements:

1. Property Questionnaire

This is completed by the seller or their agent and asks about the present ownership of the property.

2. Single Survey

An assessment of the property’s condition, carried out by a RICS registered Surveyor. Repair work will be categorised on a scale of 1-3 which are:

Category 1. no immediate action or repair is needed

Category 2. repairs or replacement requiring future attention, but estimates are still advised.

Category 3. urgent repairs or replacement are needed now.

3. EPC – Energy Performance Certificate

An assessment of the energy efficiency of property and recommendations to improve thermal value.

With the sellers consent, all DM Hall Home Reports include a generic Mortgage Valuation Report (MVR). This is not mandatory, however at DM Hall we believe this is the necessary bridge which allows the purchaser’s lender to use information extracted from the Home Report when providing mortgage funds.

We believe that there are four key points to consider before instructing a Home Report:

Is your Surveyor on your lender’s panel?

Reports by recognised professional surveyors are trusted and accepted by lenders. We are proud to say that our Home Reports are readily accepted by lenders.

Is your Surveyor local?

Local knowledge is vital and your surveyor should have strong knowledge of local market conditions. With 25 offices across Scotland, we are ideally placed to offer local knowledge and expert advice on properties.

Does the price reflect the quality of your Home Report?

More often than not, a cheap home report will not come with a mortgage valuation report, leaving lenders to take their own advice. This introduces uncertainty and unnecessary delay for the seller. Our prices are competitive, with no hidden charges, reflecting the quality of our trusted reports.

Is your Surveyor a trusted, reliable name in the industry?

Our strong relationships with estate agents and solicitors allows them to be confident with our experience, reliability and professional advice.

“HOME REPORTS NEED TO BE REPLACED AFTER THREE MONTHS”

One of the regular concerns we hear about the Home Report is that it needs to be replaced after three months of marketing the property. We are more than happy to dispel this. The legislation for the Home Report does not impose a set shelf life or validity period. However, lenders do require a revaluation if the Home Report is older than three months. Importantly though, it is only required at the time of the sale – not every three months that the property is on the market.

“MY VALUATION SHOULD BE THE SAME AS OTHER HOUSES ON MY STREET”

Each property is unique – even your neighbour’s! Valuations will vary depending on location, size, style, condition, enhancements etc meaning variations will often occur for good reason.

Maintaining your property will have a significant bearing on your Home Report.

Our trained surveyors identify issues regularly that if managed effectively can be the difference between scoring a one or a three in the Single Survey – a key component of the Home Report.

Here are somethings to consider prior to putting your property on the market.

Repair damaged rain water goods

Replace loose/broken slates

Check flat roofs for damage and leakage

Is the property’s rendering in good condition?

Is your window, door, and eave joinery in good order?

Do you have an electrical test certificate?

Has your boiler been serviced within the last 12 months?

Is the property presentable?

If the property requires a significant amount of upgrading, any purchaser may have money held back from their mortgage to encourage the repair of any defects which affect the market value of the property. This may delay or discourage a prospective purchaser.

Click Above to instruct a Home Report from a qualified RICS Surveyor with extensive local knowledge of your area.

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